Dutch Mortgage Calculator

Fill in your details for a quick calculation or contact us for a thorough one!

What's your budget to buy a Dutch house? Use our mortgage calculator to calculate your maximum mortgage in the Netherlands and your monthly mortgage payments.

From 2025, new rules apply to your maximum mortgage in the Netherlands. Singles can borrow more, and the loan amount is partly dependent on the energy label of your new house. Discover for yourself what the difference is per energy label.

Get the best Dutch mortgage

  • We compare all Dutch lenders
  • Experienced expat advisors
  • Clear step by step approach
  • Transparent way of working and fees
  • Full service

Calculate Your Dutch Mortgage

Discover your maximum mortgage and additional costs

My name is and I would like to .

Questions? Call

+31 30 208 2010

Dear Leon & Judith,

This is your personal mortgage calculation

Your Mortgage

€ 320.357

Net Monthly

€ 1.052

Contributed Own Money

€ 7.500

Maximum Purchase Price

€ 337.500

Max mortgage by income:
€ 320.357
Income Leon
€ 36.760
Income Judith
€ 30.450
Credit card
€ 750
Student debt per month Judith
€ 140
Net monthly:
€ 1.052
Interest 2,05%
€ 561
Repayment
€ 639
Gross monthly payment
€ 1.200
Tax refund
€ 149
Net monthly
€ 1.052
Purchase sum exising house
€ 337.500
Transfer tax
€ 6.750
Renovation
€ 3.000
Real estate agent
€ 1.200
Technical inspection
€ 450
Appraisal costs
€ 350
Advisory costs
€ 1.395
Bank guarantee
€ 350
Notary
€ 1.100
Redemption of overdrafts, loans and credits
€ 750
Total to be financed
€ 352.845
Maximum mortgage by income
€ 320.357
Donation
€ 25.000
Contributed own money
€ 7.500
Balance (surplus)
€ 12

Why use Hanno's Dutch mortgage calculator?

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Fee calculation check

How to get your Dutch mortgage in 5 steps

  • 1. Budget: how much can you spend?

    A free appointment gives you instant clarity about your budget

    Call us 030 - 208 2010

  • 2. Bid with the Hanno Mortgage Promise

    This gives you a chance at a lower purchase price

  • 3. Offer accepted? Personal finance plan

    First we look at your financial situation, then at your mortgage

  • 4. Choose your mortgage lender

    We will choose the best mortgage lender based on your mortgage plan

  • 5. Mortgage secured, to the notary!

    We fix the mortgage from A to Z, you sign the deed with the notary


More about your mortgage calculation

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Independent mortgage calculator Netherlands

Do you want to use the ABN AMRO mortgage calculator or the ING mortgage calculator in the Netherlands? Hanno makes an independent mortgage calculation to see which mortgage lender offers you the best mortgage and also compares these big banks. 

You can use our independent mortgage loan calculator in the Netherlands to calculate your maximum mortgage and our mortgage interest rate calculator to compare different lenders. Please check out the current Dutch mortgage interest rates. 


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Self-employed mortgage calculator

Are you self-employed and do you want to buy a house? Don't worry, it's perfectly possible to get a mortgage as a self-employed expat in the Netherlands. 

You can use our regular mortgage calculator. Calculate your maximum self-employed mortgage by using the net profit of your income of the last three years. 


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Refinance your mortgage

Refinancing your mortgage in the Netherlands can be a good way to reduce your mortgage payment costs. To calculate the money you can save, please use our mortgage refinance calculation tool. This calculator compares over 43+ mortgage lenders who refinance mortgages for expats in the Netherlands and finds the best fitting lender for your situation.


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The best mortgage advice for a low fee

Hanno gets you the best Dutch mortgage for expats for a competitive fee. We give you a tailor-made mortgage advice and use advanced technology - like our online mortgage calculator - for your mortgage application. This way we don't wast time and money on administration, so we're able to charge you a much better price than other mortgage advisors.